Harris insurance,
through NBOA.

What makes Harris different. One of the oldest names on the water.

Harris has built pontoons in Fort Wayne, Indiana since 1957 — one of the oldest continuously operating pontoon manufacturers in the country. It now sits inside Brunswick Corporation, alongside Bennington, Lund, and Crestliner, and serves as Brunswick's premium pontoon nameplate.

The lineup splits three ways: Cruiser is the mainstream family deck, Sunliner is the mid-tier family-and-entertainment boat, and Crowne is the luxury flagship — the one with the helm seats, audio systems, and furniture packages that push a loaded 27-footer past $150K. That stratification matters for coverage: a Crowne tritoon settles very differently than a base pontoon, and the policy needs to be written with the right hull value from day one.

Aluminum tubes, premium decks.

Harris builds on a welded aluminum tube platform — 25-inch diameter standard, 27-inch upgrade, with full tritoon (three-tube) configurations available across most of the Sunliner and Crowne range. Tritoons add a center tube with lifting strakes, which is what lets these boats carry 300-plus horsepower outboards and still plane cleanly with a full deck of passengers. Decks are marine plywood or composite under vinyl; Crowne interiors use higher-grade upholstery, powder-coated rails, and integrated helm electronics.

• 25" standard tubes, 27" upgrade, full tritoon option across Sunliner and Crowne — picks up HP ratings and load capacity
• Lifting strakes on performance tritoons — meaningful handling difference at 250+ HP, and the reason high-HP Harris tritoons plane like deckboats
• Premium interior packages on Crowne — sound systems, refrigeration, powered helm seats — all factor into insured hull value
• Brunswick-platform outboards (Mercury) are the factory pairing on most Harris rigs — simplifies powertrain coverage and warranty coordination

Inland-lake owners buying up, not down.

Harris skews toward buyers in the Great Lakes and Midwest inland-lakes markets — Michigan, Indiana, Ohio, Wisconsin, Minnesota, and the Carolinas — who've often owned a pontoon before and are trading up into the premium segment. Crowne buyers in particular cross-shop Avalon Catalina Platinum and upper-trim Bennington Q/R models; they're not comparing against entry-level toons. That buyer profile is favorable for underwriting: experienced pontoon operators, documented service histories, and boats that stay on trailered or lift-stored programs at private lakeside residences.

The insurance angle. Where Harris shapes the policy.

Pontoon fundamentals apply — high-HP tritoon claim profile, fire risk at the fuel-tank-under-deck layout, grounding on shallow inland lakes, canvas and enclosure damage from wind events at the lift. Harris-specific factors layer on top: premium interior replacement costs push settlements higher than comparable Bennington or Avalon claims, and the Brunswick parentage means Mercury-outboard coverage coordinates cleanly with the hull policy.

• Agreed-value is the right call on Crowne — a loaded Crowne 270 with Mercury 400Rs can list north of $180K, and ACV on a 6-year-old boat will settle at a fraction of what replacement with equivalent trim actually costs. Lock the value in at bind.
• Tritoon HP ratings matter — carriers ask for horsepower at quote, and a 300-400 HP tritoon underwrites differently than a 150 HP pontoon. Don't under-report; mid-term HP increases trigger re-rating.
• Canvas, enclosures, and furniture — the most common Harris claim isn't a collision, it's wind or storm damage at the lift. Confirm that canvas, bimini, and full enclosures are covered at stated value, not depreciated.
• Sister-brand context — Harris shares a parent (Brunswick) with Bennington, Lund, and Crestliner. Carriers that write Bennington write Harris on the same appetite; Progressive, BoatUS, and Foremost all quote readily.
• Fuel-system fire risk — pontoons store fuel under deck, and dockside fire is the most expensive claim category for the segment. Confirm fire coverage includes marina liability for spread damage to adjacent boats.

This is where an expert at NBOA can step in. As an independent marine insurance brokerage, NBOA quotes Harris owners across multiple carriers and matches the policy to how the boat is built, where it runs, and how you actually use it.

Harris models we quote.

Beyond the top brands.

NBOA places insurance on 1,100+ boat manufacturers across our catalog — from aluminum skiffs to mega-yachts. If your boat isn't listed here, it's almost certainly one we still write.